
Lesi sihloko sihlola umthwalo wezezimali ohlobene nokwelashwa komdlavuza wamaphaphu futhi sinikeza amasu okulawula izindleko ngenkathi ufinyelela ukunakekelwa kwekhwalithi. Sizocubungula imiphumela emibi evamile, sixoxe ngezinsiza zosizo lwezezimali, futhi sigqamise izindlela zokuthola izinketho zokwelapha ezithengekayo. Funda ukuthi ungabhekana kanjani nobunzima bezindleko zokunakekelwa kwezempilo futhi ubeke phambili inhlalakahle yakho.
Ukwelashwa komdlavuza wamaphaphu kungabiza kakhulu, okuhlanganisa ukuhlinzwa, i-chemotherapy, ukwelapha ngemisebe, ukwelapha okuhlosiwe, nokunakekelwa okusekelayo. Umthelela wezezimali ungaba mkhulu, okwenza iziguli eziningi zifune imiphumela emibi eshibhile yezibhedlela zokwelapha umdlavuza wamaphaphu noma ezinye izixazululo. Kodwa-ke, kubalulekile ukubeka phambili ukunakekelwa kwekhwalithi kanye nokufinyeleleka.
Izindleko zokwelashwa ziyahlukahluka kuye ngohlobo lomdlavuza, isigaba sawo, uhlelo lokwelapha olukhethiwe, kanye nomhlinzeki wezempilo. Izinqubo zokuhlinza zivame ukubiza kakhulu kunokwelashwa ngamakhemikhali noma ngemisebe, kuyilapho izindlela zokwelapha ezihlosiwe, nakuba zingase zisebenze kakhulu, ngokuvamile zinenani eliphakeme lentengo. Ukunakekelwa okusekelayo, okubhekana nemiphumela engemihle, nakho kungangeza ezindlekweni zizonke.
Imithi eminingi yokwelapha umdlavuza wamaphaphu iza nemiphumela engemihle engemihle. Ukuphatha le miphumela emibi kubalulekile ekuthuthukiseni izinga lempilo, kodwa ezinye izindlela zokwelapha zokulawula le miphumela engemihle nazo zingabiza. Ukuthola izindlela ezithengekayo zokuphatha le miphumela emibi kubalulekile.
Imiphumela emibi evamile ihlanganisa ukukhathala, isicanucanu, ukuhlanza, ubuhlungu, nokuphelelwa umoya. Lokhu kungaba nomthelela empilweni yansuku zonke futhi kwengeze ezindlekweni zizonke zokwelashwa. Amasu okuphatha athengekayo angabandakanya: ukuguqulwa kwendlela yokuphila (ukudla, ukuvivinya umzimba, ukuphumula), imithi etholakala ekhawuntareni yezimpawu ezithambile, namaqembu okusekela ukuze uthole usizo olungokomzwelo nolungokoqobo. Ukuze uthole imiphumela emibi kakhulu, ukuhlola izinketho nomhlinzeki wakho wokunakekelwa kwezempilo kubalulekile.
Ukuzulazula ezinkingeni zezindleko zokunakekelwa kwezempilo kudinga izinyathelo ezisebenzayo. Ukucwaninga abahlinzeki bezempilo abahlukene kanye nezinketho zomshuwalense kubalulekile. Izinhlelo zokusiza zikahulumeni, njenge-Medicaid ne-Medicare, zinganciphisa kakhulu umthwalo wezezimali. Izibhedlela eziningi nezikhungo zomdlavuza zinikeza izinhlelo zokusiza ngezimali ezigulini ezidinga usizo. I-Shandong Baofa Cancer Research Institute ingenye yezindawo ezinjalo ezinikezelwe ekuhlinzekeni ukunakekelwa kwekhwalithi.
| Uhlelo | Incazelo | Ukufaneleka |
|---|---|---|
| I-Medicaid | Uhlelo lukahulumeni lokunakekelwa kwezempilo kubantu abahola kancane kanye nemindeni. | Imikhawulo yemali engenayo nempahla iyahluka ngokwezifundazwe. |
| I-Medicare | Uhlelo lukahulumeni lokunakekelwa kwezempilo lwabantu abaneminyaka engama-65 nangaphezulu noma labo abanokukhubazeka okuthile. | Ubudala noma ukukhubazeka okufanelekile. |
| Usizo Lwezezimali Lwesibhedlela | Izibhedlela eziningi zinikeza izinhlelo zokusiza ngezimali ezigulini ezingakwazi ukukhokhela ukwelashwa. | Imikhawulo yemali engenayo nempahla iyahluka ngesibhedlela. |
Khumbula, ukuthola okuthengekayo imiphumela emibi eshibhile yezibhedlela zokwelapha umdlavuza wamaphaphu akusho ukuyekethisa ngekhwalithi. Ucwaningo olunzulu, ukuxhumana okuqinile nethimba lakho lokunakekelwa kwezempilo, kanye nokuhlola izinketho zosizo lwezezimali kuyizinyathelo ezibalulekile zokubhekana nezinselele zokwelashwa komdlavuza wamaphaphu.
Umshwana wokuzihlangula: Lolu lwazi ololwazi jikelele futhi aluhlanganisi iseluleko sezokwelapha. Xhumana nomhlinzeki wakho wokunakekelwa kwezempilo ukuze uthole ukuqondiswa komuntu siqu.
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